International investors have been buying up China’s FinTech IPO’s as quickly as they can come to market. After all, one and a half billion people with the ability to borrow money with the click of a mobile app has a lot of appeal. Qudian Inc., an online loan provider, raised US$900 million in its initial public offering on the New York Stock Exchange in October, representing the fourth-biggest U.S. IPO this year. In April, China Rapid Finance Ltd., a peer-to-peer …

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